Oldest CL not showing up?

[Anonymous]

About 16 years ago my mom added me as AU on her Discover card. When she passed away my dad paid the account off and kept the account open. I don't have a card but it still shows on my credit report as Open and good standing with a $7K CL. But on CK although "listed" as 16 years old they only have taken into account my oldest card as the one I personally opened 3 years ago. I tried calling discover to see if I could reopen the account but I was denied. Is this oldest, largest card just hanging around but not counting for anything? I'm confused as to why it's even there since it hasn't been touched in 8 years.

[Anonymous]

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@Anonymous wrote:
About 16 years ago my mom added me as AU on her Discover card. When she passed away my dad paid the account off and kept the account open. I don't have a card but it still shows on my credit report as Open and good standing with a $7K CL. But on CK although "listed" as 16 years old they only have taken into account my oldest card as the one I personally opened 3 years ago. I tried calling discover to see if I could reopen the account but I was denied. Is this oldest, largest card just hanging around but not counting for anything? I'm confused as to why it's even there since it hasn't been touched in 8 years.

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CK doesnt take into account closed accounts.  Fico does which is far more important

[takeshi74]

Depends on the scoring model the creditor uses.  Most use a FICO model but there are some that use a VantageScore like the ones that CK provides.

I don't have an explanation.  As the OP states, CK reports the account as open.  I'd suggest going straight to the source -- either TU or EQ depending on which report indicates that it is open -- and pulling a report directly from that CRA to verify.

With or without the Discover account the OP will need to build his/her own tradelines anyway.  The age of the account could help in cases where AU accounts are considered but it would have no impact in cases where such accounts are not considered.  Length of Credit History is typically only ~15% anyway.

http://www.myfico.com/crediteducation/whatsinyourscore.aspx

There's definitely no way to open an account where one was an AU.

[CreditDunce]

It sounds like the account is still on your credit report.  Assuming the anti-abuse algorithms FICO uses isn't excluding the account, it is being counted for your FICO score.  However, with the account being dormant for 8 years, the CL is probably not being used for utilization.  Moreover, the CRA's start closed/dormant dropping accounts after 7-10 years from your credit report.   It is possible the account will stay on your credit report for many years.  It is also possible some/all of the CRA's will delete the account in the next two years.